For the design of Shengen, it is necessary to obtain an insurance medical policy. But do not think that the Shengen's medstrash is empty formality, thanks to her traveler in case of illness, you can get medical care for free. Medicine in Europe is expensive, and if there is there for a long time, sooner or later you will have to consult a doctor.

Where to issue medical insurance

Tourists who prefer to relax through intermediaries do not arise any questions where to issue medical insurance for a Schengen visa, as a tourist company is engaged in it. But independent travelers will have to deal with the diversity of proposals from various insurers, because price insurance Polisa. For a Schengen visa in different companies is different.

Independently policy can be obtained in any insurance company in Moscow or your city, or online. In the first case, a specialist who will issue a document must provide the passport data, indicate the purpose of the trip, the time of stay in a foreign country.

How to insure for Shengen online

Insurance for the Schengen visa online is more convenient, as it is not necessary to get out of the house for insurance. You just need to go to the site of the relevant insurance company, fill out all cells and pay for the service through a bank card or one of the available payment systems. As a result, you will get electronic Poliswhich can be printed and present in the visa center or embassy to decide on the entry.

Insurance on a Schengen visa is bought in a few minutes and has the same force as a document decorated in the office of the insurance company.

Primary requirements

Medical insurance for Schengen must comply with the following criteria:

1. Mining insurance amount - 30 thousand euros. This amount should be enough for treatment and related expenses. Maximum size no payments;
2. The area of \u200b\u200bthe coating is all countries that have entered into a Schengen Agreement;
3. The period of action covers the entire duration of the trip;

   Some European countries demand that the term of the policy be extended to an additional 15 days after the planned date of departure from the Schengen zone. For these 15 days, the medstrashka is not paid.

4. Lack of franchise (that is, in the case of insurance case The client does not have to pay extra);
5. The cost of medical insurance for a Schengen visa should include not only the provision medical services, but also the payment to the native country.

Cost of medical insurance

The cost of honey insurance for a Schengen visa depends on:

• Insurance sum;
• Deadline;
• Age to be insurance to be insured;
• Rest view;
• Tariff plan.

Insurance for Schengen is carried out on several tariff plans:

1. Economy (cheapest);
2. Comfort;
3. Premium.

The higher the price for the medstrash, the more functions it includes. The traveler independently chooses how much he is willing to pay, whether the translator will be needed in the case of entering the hospital and whether he will need legal or administrative assistance. Some firms provide for discounts for groups of vacationers.

We give an example of the cost of basic insurance options for validity of 14 days in the most popular insurance companies:

Important nuances for choosing insurance policy for Shengen

At the conclusion of the contract, it is worth paying attention not only to the cost of insurance for Shengen visa. Some insurance companies offer programs with a limited number of services providedwhich can be called no more than formality. It is possible to get permission to enter the Schengen zone for such a policy, however, in the event of an unforeseen situation, the insured person will not receive compensation.

It is better not to buy on obviously understated insurance prices for a Schengen visa, but to carefully study the list of circumstances falling under the concept of an "insurance case", and choose the most acceptable option.

Sometimes much more profitable to arrange non-disposable, and annual Medical policy. Considering how much travel is planned for a year, you can save significantly.

Insurance for visa Schengen online should be issued depending on the travel program. So, if a tourist is going to relax by the sea and visit several sights, he can take an inexpensive policy. But if the traveler is going to devote a lot of time extreme sports or wants to include exotic products in his menu, he should ask how much medical insurance For a Schengen visa, including increased risks.

The same applies to working visas. If the employer is ready to insure his employees in addition, it is possible to make a policy with a minimum set of services provided for Shengen.

Do not buy on insurance of small children and pregnant women. It is these categories of tourists more often in unforeseen situations (temperatures can rise, rash, etc.).

Regardless of the tariff and type medical Polisa.No insurance company compensates for the damage if the insured event occurred due to the insured or the victim was in a state of alcohol intoxication.

Video: Visa Medical Insurance

Insurance for a Schengen visa is different. There are those that include only the minimum requirements of embassies, but sufficient to get a visa;). Insurance price for a Schengen visa of this type will be equal to 250 rubles. For 1 month. It is important to take into account that insurance must work all the time on which the Schengen visa is issued. For example, you filed documents to the embassy to receive a semi-annual Schengen visa, then you need to buy insurance, which is also calculated for half a year. And the insurance must act at the time of filing documents to the embassy. Read the article about knowing the exact period of time on which the active insurance is needed.

Prices for insurance

* Package "Economy" is designed for the minimum requirements of consulates to obtain a Schengen visa (with this insurance you will be given a visa). The "Extended Protection" package includes all the points of the package "Economy" + insurance for an accident, loss of baggage, the cancellation of the trip, a third party's visit in an emergency, transportation in early return, hotel accommodation to recovery. You can find out in more detail on the site.

There are also tourist insurances that include medical insurance, insurance against flight abolition, loss of baggage, theft of things, etc. With them you will be more protected :!:, If necessary, you can evacuate from any country and bring to your homeland completely free. This is useful in such cases as a revolution in the country of recreation, a natural disaster, the beginning of military operations, strong damage to the body. Such an insurance for a Schengen visa costs about 2500 rubles in one month. But such a cost of insurance for a Schengen visa is fully justified, because You get protected almost from everything, and with any insurance case you will pay a lot of money. It is possible in 5 minutes over the Internet on the official insurer's website. Everything is safe and understandable :).

For those who want to save, there is a service, there you can buy insurance at very low prices.

Video of the price of insurance

Preparation of documents for a Schengen visa often calls questions, so today we will look at how to make insurance for a Schengen visa.

Standard insurance requirement for all:

• coating amount of at least 30,000 euros;
• medical policy should act in all countries of the Schengen Agreement;
• cover at least the following costs: disease, emergency medical care, hospitalization.

Many consulates have introduced a rule, according to which insurance policies filled from hand are not accepted. Therefore, it is not worth it to buy insurance directly before the visa center, one of the agents should not be on the knee. Such a policy may not accept.

Term of the insurance policy for Shengen

Credentials depend on a specific consulate. As a rule, the term of insurance should cover the dates of the trip. If you have planned a trip from 01/02/14 to 10/02/14, then insurance should act no later than from 01/02/14 and end no earlier than 10/02/14.

If you request a multiple visa, then insurance should cover at least the dates of the first trip.

In addition, you will be asked to sign the document, according to which you undertake to independently buy an insurance policy for all the following trips. Keep in mind that if you are asked the policy on the passport control, and it will not be enough for him, then you will not be allowed into the Schengen.

In individual consulates there are their own, special requirements ...

For example, the Consulate of Lithuania requires that at the design of a multiple visa, your insurance policy is issued for a period of at least 30 days, and not under the date of the first trip.

Strigine in Schengen in Finns. The Consulate of Finland requires the policy to be:

• valid from the date of submission of an application for a visa;
• policy should be valid until the end of the trip;
• decorated one of the accredited insurance agencies;

For example:
You are submitting documents for an annual Finnish visa on January 20th. Dates of the first trip: from 1/02 to 12/02.
The insurance policy should be valid from 20/01/2014 to 12/02/2015 (insurance period), and the number of insurance days - 12 (the duration of the first trip).

Where and how to arrange insurance?

For registration of the insurance policy, you will need only a passport and money.

You can arrange insurance for a visa or in the office of the insurance company. Besides, insurance services There are some visa centers, travel agencies and banks. Those. insurance can be issued anywhere, the main thing is that it meets the requirements of the consulate.

Some travelers do not trust domestic insurance companies and think that insuring abroad will receive additional benefits.

If you are among them, know that this is not always the case. The conditions will be absolutely the same, only possible, insurance will not cover some expenses, such as repatriation in the event of death. In addition, not all insurance companies insure non-residents, so you will have to spend time on her searches.

Frequently Asked Questions about Insurance for Schengen Visa

1. Insurance policy is valid from 01/02/14 to 10/02/14. Is it possible to go a day before, January 31?

For this insurance policy is impossible. If on passport control You will be asked to show insurance, they will not be allowed. The only option is to re-transfer the policy to new travel dates.

2. I submit documents for an annual Schengen visa (with the right stay of 90 days in a half of the year), the first trip will be from 01/02/14 to 10/02/14. What is the time to make insurance, 10 or 90 days?

Your insurance policy should be valid from 01/02/14 to 10/02/14. If this is a consulate of Lithuania, then from 01/02/14 to 03/03/14 (30 days). If in the Consulate of Finland, then from the date of submission of documents to the consulate / visa center of 10/02/14.

How and where to arrange insurance for a Schengen visa? Rest without risks

Medical insurance is included in the list mandatory documentsTo prepare to obtain a Schengen visa. The requirement is quite substantiated: the services of doctors in Europe are expensive, and in emergency situation A foreigner may not be money to cover the necessary expenses. Health and even life in this case turn out to be threatened.

The insurance policy, decorated before leaving abroad, eliminates a foreign guest from a number of unforeseen health expenditures. If a citizen decides to choose an extended insurance program, depending on the terms of the insurance contract, it has the right to hope for compensation not only of treatment, but also a number of other expenses - on the passage of relatives to the hospital, legal assistance and even the organization of the rescue operation. Consider more details of the policy of the policy, the cost, as well as where you can make insurance for a Schengen visa.

Requirements for medical insurance for a visa to the Schengen countries

Medical insurance of traveling abroad is needed in case a foreign citizen during the journey an unschedule will need help doctors. The reason may be injured, a disease or a sharp deterioration in well-being. If the reason why health suffered, falls under the category of the insured event, the insurance company, depending on the terms of insurance, will take on the cost of rendering medical care. The task of the owner of the policy in this situation is to promptly inform the insured about the incident. Next, it will be shown in which clinic to contact questions, if necessary, provide a translator (if this is provided for by the insurance program).

To visit Schengen countries, medical insurance is mandatory condition - With her absence, you will refuse to issue a visa. Moreover, the insurance policy should arrange each applicant, including children. The exception is only the spouses of European Union citizens and their children.

Important!
Consulate staff very seriously approach health insurance. The absence of an applicant for a visa insurance medical policy can cause refusal.

Key policy requirements are as follows:

1. The insurance period should begin no later than a citizen will cross the border of the Schengen zone, and cover all the days of the trip. In other words, to fully cover the period of action of a short-term visa (there is no multivitis issued for long time). Many insurance companies increase the period for 10-15 days, allowing the ability to change the dates of the trip. The number of insured days remains the same.
2. The coverage area of \u200b\u200bthe policy is the territory of all the countries participating in the Schengen Agreement.
3. The policy should not contain franchises. Franchise is an unshakable amount established by the insured, which the insured will have to pay from its funds.
4. The minimum insurance limit is 30 thousand euros.
5. The policy should cover costs not only for treatment, but also posthumous repatriation in case of the death of the insured.

Despite the unity of the Schengen zone, each country nominates its own requirements for documents, including tourist insurance for a visa. In order not to be mistaken, you should carefully examine the information on the official website of the embassy, \u200b\u200bthe consulate or the visa center of the country, the visa of which is planned to be requested.

How to issue an insurance policy

Insurance to obtain a Schengen visa can be issued in two ways: online on the website of the insurance company (or intermediary) or with a personal visit to the office. In the second case, it is necessary to present a Russian and abroad passport and answer a few questions relating to the trip:

• exact dates;
• territory of insurance;
• purpose of the trip;
• travel type (beach vacation, sport, etc.);
• date of Birth.

Then it will be left to choose the tariff and pay for the insurance fee. The policy will be decorated within a few minutes. Another option is to do this without leaving home. The client will be offered to fill out the questionnaire, specify the data of the passport and make a fee with bank card or virtual wallet. Ready Polis B. in electronic format (As a rule, in PDF format), the company will send email immediately after payment. It will need to print and attach to the package of documents for the consulate. The electronic version of the policy has the same force as printed on an official form.

For your information
Experienced travelers advise not only print an electronic policy and take it with you, but also take a picture to the phone to always have at hand. The incident may happen suddenly, away from the hotel and all documents, and to contact the insurance company you need to appeal to the clinic, that is, immediately.

Thus, the algorithm of actions and a list of documents when buying a policy remotely or internally the same. Nevertheless, most travelers prefer to execute a medstrash for a Schengen visa online. No need to spend time on the road to the office and waiting in line. The client has the ability to pre-calculate the cost of the policy with the help of a virtual calculator. From time to time, insurers arrange shares and produce promotions that allow you to buy insurance at a reduced price.

Cost of insurance for a Schengen visa

The cost of medical insurance for a Schengen visa depends on the aggregate of factors, namely:

• selected Insurance Program: Economical Option, Standard or Advanced Premium Package;
• the term of the policy;
• the amount of the coating is the maximum amount of payment upon the occurrence of an insured event;
• the age of the insured and the state of health.

When making a Schengen visa, the coating amount must be at least 30 thousand euros. This is an economical package that includes treatment costs. foreign citizenwho got injured or suddenly fell ill. Here are some examples of expenses, the compensation of which is entitled to calculate the client of a number of insurance companies in an economical tariff:

• transportation to the medical institution;
• stay and treatment in hospital or outpatient;
• necessary medical advice;
• surgical operations;
• acquisition of prescribed medicines;
• emergency dental care, excluding planned treatment (tooth injury or acute inflammatory process);
• repatriation of remains.

Following the economical tariff there is a standard, which additionally may include a few more points. For example, payment to the place of residence after the hospital, accommodation before departure after inpatient treatment, etc. Travelers who seek to maximize themselves from possible expenses may arrange a premium class program in which legal and administrative assistance can be included. land transportIf the flight after treatment is contraindicated, the return to the homeland of children, who were with the victims, etc.

When making insurance for a Schengen visa, the client may include items that are not related to medicine. For example, insure baggage from loss, airfare - from the delay of the flight, yourself - from the loss of documents, etc. Obviously, with an increase in the list of services, the price of insurance for a visa increases. For comparison, the insurance policy on the minimum necessary 30 thousand euros for 10 days of stay in the Schengen zone to one person will cost about in the amount of from 500 to 800 rubles, depending on the chosen company. If we expand the coating amount to 100 thousand euros, the lower limit of the cost increases to about 740 rubles, the upper range is up to 1.8 thousand rubles. And if you additionally insure baggage, the price range will acquire a view of about 1 thousand-2.5 thousand rubles per person.

Important!
The insurance company will not refund costs if the client is in a state of alcohol or drug intoxication at the time of the incident. The rule applies to all cases, regardless of whether alcohol became the cause of state of emergency or not. For example, if a coconut accidentally fell on a drunk traveler for a walk and caused him an injury, the case will not be recognized as insurance, although alcohol has no relation to the fall of coconut.

Often the question arises: how to buy optimal insurance for a visa, so as not to overpay, but also not to stay without support in the case of force majeure? Experienced insurers advise the risks objectively. If you are waiting for a relaxing holiday in the hotel, you can do the minimum amount. If the plans are the conquest of the wave on the surfboard or deep-water immersion, it is better to include an option adding an active sport to insured events. Expensive things in baggage makes sense to ensure financial protectionWhile a simple bag with clothing can go flight and without insurance policy. The most important thing is to understand that insurance is not just a formality for obtaining a visa, but a real opportunity to protect yourself from big problems and unbearable costs.

Where to arrange insurance for a Schengen visa

A large number of insurance companies are working on the market, where you can arrange insurance for a Schengen visa. They differ not only by the tariffs for their services, but also the degree of responsibility towards the client when he will be in a difficult situation. What are the indicators to judge the reliability of the insurer? First of all, you should pay attention to the official information about the company with which you plan to conclude a contract. the federal law dated November 27, 1992 No. 4015-I "On the organization of insurance in Russian Federation"And the federal law of July 23, 2013, which is complemented by the Federal Law of July 23, 2013, determine the information that the insurer should keep in public access on the official website. This is the registration data, an indication of the license, annual financial statements For the last three years, confirmed by the results of an audit, as well as ratings assigned by independent agencies.

For example, VTB Insurance for recent years High positions in independent ratings. (level A ++. (exceptionally high level of reliability), according to Expert RA, and BB ++., according to Standard & Poor's Agency (the highest reliability rating among insurance companies with russian capital) - approx. Ed.). As for the medstrash for a visa, then, for example, the insurance policy of VTB insurance recognize all Consulates of the Schengen countries. When the insured event occurs, it is enough to contact the phone specified in policy VTB Insurance, and you can be confident in obtaining the necessary medical and other assistance. Calls take only Russian-speaking operators. In a number of countries (Austria, France, Germany, etc.) we have free telephone lines.

P.S. VTB Insurance is present in the insurance market since 2000, offering a wide range of insurance services. Branches and sales offices work more than 90 cities of Russia. More detailed information On the insurance and procedure for the provision of services is posted on the official website

Traveling abroad is often preceded by a decision of a multitude of questions: where to go, where to stay, which is also needed to prepare the paper to obtain a visa.

Registration of the insurance policy may be a compulsory requirement when submitting documents for a visa or desire of the traveler. In any case, it is recommended to learn all the rules, possibilities, the procedure for making a medical policy to make a final decision regarding insurance during a foreign trip.

1. What is needed for medical insurance

Insurance of traveling abroad (TIS), tourist insurance, medical insurance for a visa - different names are the same in essence of the procedure - receiving the insurance policy before the trip abroad.

It is needed in order to in the event of unforeseen circumstances, as a result of which harm to health, Russian tourists could get timely help of medicine workers. Foreign without insurance medical institutionsOf course, will not refuse to assist, but the cost of services in this case will have to pay independently. Consultations, medicines, tests and procedures - all this abroad is very expensive (hundreds, or even thousands of dollars, it all depends on the severity of the disease). However, if there is a medical board, expenses covers an insurance company with which the contract is pre-concluded.

Moreover, in most cases, employees of the insurance company themselves are searching for the nearest clinic, where you can contact, agree on the reception and transport the victim if necessary.

Medstrashovka is needed for safety, convenience and for significant savings money, in the case of an insured event.

1.1 What to pay attention to the conclusion of a medical contract

In Motherland, you sign an agreement with the Russian company, but Assistance company is engaged in service abroad. Receiving services at a high level depends on the reliability and conscientious work of these companies. Therefore, be sure to pay attention to the fact that an agreement of the Russian insurance company has been concluded from a medical assistance. For example, Europ Assistance, Coris, Mondial Assistance, International SOS, Global Voyager Assistance, Class Assistance have proven in the world market.

An example of medical insurance from Ingosstrakh

Another one an important point is the presence of franchise in the contract. In a polisha with franchise, the installed fixed amountwhich the client pays independently upon the occurrence of an insured event, and all costs over this amount covers the insurance company.

The cost of contracts with a franchise is 20-40% lower, therefore they conclude in order to initiate funds. But it is necessary to take into account the fact of additional costs, if you need to take advantage of such insurance. In any case, it is necessary to pay attention to the presence of franchise when concluding the contract.

To finally decide on the choice of an insurance company for the conclusion of the contract, a traditional method can also help - the opinion of relatives, acquaintances, colleagues who used the services of a particular company whose opinions you trust are also trusted.

With a sample of the policy of one of russian companies You can read.

When the insurance company is determined, you need to take care of the choice of services you need, provided for by the Treaty.

2. What are insurance? What is the difference?

The standard contract with a minimum service kit usually includes:

• outpatient treatment or in hospital (dental services in emergency cases and relief
• exacerbations chronic diseases included in the contract additionally);
• call a doctor or transportation into the medical unit;
• return of drugs for medicines appointed by the doctor;
• coating the cost of telephone conversations with representatives of the Assistance company;
• transportation to the country of residence on the conclusion of a doctor;
• return of the body to their homeland in the event of death.

This list is necessary, but not always sufficient. It all depends on your goals, desires and financial resources.

In addition to standard medical services when buying a visit, depending on the individual situation, it is advisable to order additional options.

These include:

• travel cancellation insurance. It is provided for damages if the trip did not take place on reasons independent of the tourist;
• flight delay. Receiving payment upon delayed aircraft airline;
• risk of luggage loss. Reimbursement is carried out at damage to baggage as a result of a disaster or the fault of the airline;
• accident Insurance. Paid by the affected accident (loss of legal capacity, disability);
• insurance on the case of the emerging complications of pregnancy and others.

The insured amount depending on the country's country, high costs, varies in such limits: for the countries of the Mediterranean - 15,000 euros, Schengen - 30,000 euros, USA - 50,000. There is an increase in the amount at the request of the client.

An example of the insurance policy from the Belarusian company Belrossch

Thus, there is no uniform better insurance, and there is a rich list of proposals that can be chosen at its discretion, thereby forming the most suitable option.

3. What insurance is needed for a Schengen visa?

Countries approached the issue of tourist insurance thoroughly and with full responsibility.

In the package of documents for obtaining a visa to the countries of the Shenges Agreement, the presence of an insurance policy is mandatory.

Agreement also imposes certain requirements:

• the coating amount is at least 30,000 euros;
• insurance is applied to all countries of the Schengen Agreement;
• the specified period of insurance coincides with the length of stay in the country.

The list of conditions in most cases is standard, meanwhile there are exceptions.

3.1 Special requirements of some countries

The existence of rules other than standard insurance conditions can be clarified in the visa center or the embassy directly the country in which you are heading. However, there are well-known nuances to which it is worth paying attention to:

1. Most European countries (, and others) require that the validity of the insurance policy is more than 15 days than the ride period. Additional charges for these days usually insurance companies are not charged.
2. Austrians installed Rule mandatory insurance For those who plan on the territory of the Austrian state, exhibitors (skiing, snowboarding, surfing, diving).
3. For registration, the period of the policy should begin from the date of submission of an application for a visa, as well as the contract should not contain a franchise.

4. How and where to issue a medstore?

Regardless of the selected method of registration of insurance, the policy will have the same legal force.

4.1 Insurance companies

To come in insurance company, choose a list of services, conclude a contract, make payment - this method gradually goes into the past, because Most firms offer to get insurance online.

However, if personal communication for you in priority, and you have time to visit the office of the insurance company, then you will need to provide only one document for the insurance - an overseas passport.

4.2 in vg or consulate before submitting documents

If you have not visited the insurance company, and online insurance for any reason you are unavailable, then you can make a policy in the visa center before submitting documents for a visa. In most cases, a representative of an insurance company is present at the CEC office, which will professionally help to decide on all issues and arrange a contract.

Sometimes representatives meet in front of the entrance to the building of the embassy of a country or offer to arrange insurance. However, this option will be more expensive, besides, it is easy to become a victim of fraudsters.

4.3 Turtle

- This is an opportunity not only to choose an insurance company, but also compare offers of different firms according to a given individual request.

Cherehapa works with reliable, proven partners who have proven themselves in the insurance services market with positive For several years.

To obtain the insurance policy, it is enough to do a few simple steps:

1. Go to the site and choose the desired country;
2. Specify the dates of arrival and departure;
3. Note the number of people who are insured;
4. Press the "Find Insurance" button and select the appropriate option from the proposed list;
5. Add additional options at your discretion;
6. Remit payment;
7. Get the finished policy medical insurance To go abroad.

4.4 Electronic Medstrashovka

Paid electronic policy comes to the applicant on E-Mail, the scanned paper contains printing and signature. The document must be printed and attached to the main packet of papers, which is designed to obtain a visa.

Important! A visa officer has no right to not adopt an insurance contract ordered in electronic form.

In practice, this is rarely found, but if this happened - insist on its right.

5. How much is insurance usually worth?

There is no specific answer to this question. After all, the price depends on the following facts:

1. Countries where you are going;
2. From the amount of insurance coverage;
3. Spending period in the country;
4. The selected insurance program, the inclusion of additional options in it;
5. The presence of franchise;
6. The age of the applicants (elderly and children polis is more expensive).

However, to understand the approximate amount to be spent before a foreign trip, you can familiarize yourself with some types of insurance and their value. For example, the estimated cost of the policy with a set of standard services in for 10 days will cost 460 rubles, with the same period in - 1135 rubles. In 30 days for insurance, you need to pay approximately 1160 rubles, in - 1350 rubles.

It should be noted that when requesting a multiple visa, insurance for the entire period of its operation is carried out taking into account significant discounts.

Meanwhile, it is allowed to receive an insurance policy immediately before each trip for the period of stay in the country. With infrequent trips, the use of this option will cost cheaper, but it is necessary to specify directly from embassy staff and WC will issue permission to enter if the insurance is issued not for the entire period of visa.

6. What to do if an insured event has come

It is better that during the trip you have not needed to use the services ordered in the MedPolis. However, if nevertheless an unpleasant situation happened, the professional help of the health worker will be much easier, faster (which is very important) and cheaper.

If you have problems with health, the first thing to do is to be called representatives of the Assistance company in the host country. Without making a call, payment is not made.

Therefore, the copy or the original policy should always have with you.

An employee must report its data that it happened to you, the location, respond to other possible questions and you will have full assistance in solving the problem that has arisen.

However, in particularly difficult cases, when the insured person, due to the deterioration of the state of health or an accident, is not able to immediately make a call, then it is permissible to appeal to help directly into the clinic. After paying the medical staff, it is necessary to preserve the check and expenses will be covered by the insurance company when returning to their homeland.